Gemmzie's DFW Diary

postingalwaysposting

Gemmzie wrote: »

Update on the old Christmas shopping, Dad is pretty much done (all but £2.10 - what can I get for that? Hmmm). I've got him:
Men in Black 1&2 DVD set,
Spiderman 2 Boxset,
3 x Dire Straits CDs,
Hunt for Red October DVD.

RRPS = £107.94 , Actual spend = £17.90 :j :j

With nectar points and cashback still to come

gem can you get a bag of popcorn/nuts to go with it he can then eat them while watching his dvd's :rotfl:

Gemmzie

:rotfl: That's an idea. Might find a £1.97 DVD yet

postingalwaysposting

Gemmzie wrote: »

:rotfl: That's an idea. Might find a £1.97 DVD yet

Asda do £1 dvds/books/cds

Gemmzie

Going there Monday, thanks PAP!

Gemmzie

I've made an extra £316.22 so far this month :j

Those cards are so dead

postingalwaysposting

Gemmzie wrote: »

I've made an extra £316.22 so far this month :j

Those cards are so dead

wow gem... how nah only joking... well done... how long till your dfd?

Gemmzie

Money we aren't spending on the cc's (dads), matched betting, quidco was a big one (£120 for H&C insurance :T)

Mine hasn't changed, think it's Jun 08

All this is going off the parents interest gaining debts, was Mar 10 now Oct 09 :j

Gemmzie

So my accounts for September stand at:
£55 for spends (was £90 but I've re-jigged some bits),
£140 for my holiday :j
£130 in my savings
£7 in cash (lol)

Well that's better

I don't really know why I'm saving at the moment but that's MB profit so I dip into it quite regularly, it's my float I suppose.

All other savings for things, car tax etc are looking good.

Next step, open student account

Gemmzie

Think I've found the best way to save this £50 a month which I've budgeted in. Save to a high rate account (9.57% fixed for one year), then stick it safely into an ISA at the end of the tax year.

The only thing I'm not sure of, is my ISA, it's okay but not great. The one I want to change to doesn't allow transfers, so what happens to the current money? Bit confused


Also, £50 is a minimum so I could save up to £250 a month and still stick it in an ISA next April, then I think it's £300 a month after that.

Hmmm...

ZTD

Gemmzie wrote: »

Think I've found the best way to save this £50 a month which I've budgeted in. Save to a high rate account (9.57% fixed for one year), then stick it safely into an ISA at the end of the tax year.

The only thing I'm not sure of, is my ISA, it's okay but not great. The one I want to change to doesn't allow transfers, so what happens to the current money? Bit confused

Depends on the details of it. If it is a previous year's, then you close it (and lose the tax protection) and then open up the new one and regain the tax protection.

Or just have 2 - though these *must* be different years.